#bgbg2 Caregiving Life Issues Medical

Caregiving Part 2: Getting Your Parents’ Affairs in Order

Caregiving Part 2
Written by Patti Greene

As a caregiver, one the most important things you can do for yourself and for your aging parents is to have a conversation with them about their legal, medical, and financial affairs. It is often left up to the children to address these issues and get the ball rolling before a crisis is upon the family.

A story was told about three daughters who tried to have that talk with their mother, but she would always avoid the topic by steering the conversation in a different direction. Their mother then passed away unexpectedly after at the age of 74 after falling down a flight of stairs. Since the conversation never took place, they were left learning that their mother had a mortgage on her house and the bank which held it could not divulge any information to the daughters without a death certificate. The girls found some items where they expected to find them, but then they found their mother’s insurance policy in a knitting bag.¹ Situations like these create frustration and stress as children try to handle the affairs of others before and after their parent’s death.

Often relatives are capable of setting their loved one’s affairs in order. Other times legal, medical, and financial help is needed to obtain the correct advice and documents.

A legal specialty called “elder law” helps families find specific help and advice to ensure their health and wealth is protected from upcoming legal issues, medical decisions, and money questions. An elder care attorney can usually help you see through your parent’s information. The result is an efficient approach to get you going in the right direction. Some families utilize their doctors, their financial advisers, and their own personal attorneys to reach the same goal. Different states have different laws and procedures for end-of-life planning, so it is always best to check what the laws are in your state as some may require a witness, a notary signature, or an attorney signature.

No matter which route you choose, be proactive. With so many terms related to elder care planning, I have chosen to give you a list compiled from various sources that will help you know what might be needed in your own situation. Sometimes the three areas of legal, medical, and financial overlap and other times an issue will fall directly under one category.

But sanctify Christ as Lord in your hearts, always being ready to make a defense to everyone who asks you to give an account for the hope that is in you, yet with gentleness and reverence. (1 Peter 3:15)

Legal Terms

Will/Trust – It is essential to have an up-to-date will and/or trust that designates financial, estate, and legal control and distribution. You and/or the elder may have few assets, but even with simple estates, it is generally advisable to have an attorney create a document that will protect the elder’s wishes about his or her estate.

Many people confuse a will with a trust. They both create designations for one’s assets.

Elder Law Answers, a long-term care and planning resource website, distinguishes the two by stating that the main difference is that a will and a trust is that a will goes into effect only after you die, while a trust takes effect as soon as you create it. A will is a document that directs who will receive your property at your death and it appoints a legal representative to carry out your wishes. By contrast, a trust can be used to begin distributing property before death, at death or afterward.

Durable Power of Attorney (DPOA) – A document that grants a person or persons (“Attorney-in-fact”) the legal powers to perform on behalf of the elder (“Grantor”) certain acts and functions specifically outlined in the document. This power is effective immediately and continues even if the grantor becomes disabled or incompetent. The powers usually granted include real estate, banking and financial transactions, personal and family maintenance, government benefits, estate trust and beneficiary transactions.

Advance Directive – Written instructions regarding an individual’s medical care preferences. The forms vary from state to state, but in general, advance directives can include a Living Will, Health Care Power of Attorney or Health Care Proxy, and a Do Not Resuscitate or Do Not Intubate Order (DNR or DNI). You do not necessarily need a lawyer to create these. ²

“An advance directive goes into effect only if you are incapacitated and unable to speak for yourself.” ³

Medical Terms

Advance directives are for people of all ages who might face any medical emergency or crisis. By maintaining up-to-date advance directives, you can be sure the medical treatment you want is carried out. It also relieves family members from making the gut-wrenching decisions that might occur in emergency situations. Be sure your family knows where these documents are and keep them in a handy, accessible location.

CPR (Cardiopulmonary resuscitation) – [Resuscitation that] might restore your heartbeat if your heart stops or is a life-threatening abnormal rhythm.”

Ventilator Use – Ventilators are machines that help you to breathe. A tube connected to the ventilator is put through the throat into the trachea (windpipe) so the machine can force air into the lungs. Putting the tube down the throat is called intubation.

Comfort Care – Comfort care is anything that can be done to soothe you and relieve suffering while staying in line with your wishes.

Hospice Care – [Provides] comfort to you and your family during a life-threatening illness, rather than provide treatments to cure the illness.

Palliative Care – [This is] similar to comfort care in hospice, but it is offered along with any medical treatments you might be receiving for a life-threatening illness.

Living Will – A written document that helps you tell doctors how you want to be treated if you are dying or permanently unconscious and cannot make decisions about emergency treatment. [It is important to note that a living will is different from the legal will mentioned above.]

Durable Power of Attorney for Health Care – A legal document naming a healthcare proxy, someone to make medical decisions for you at times when you might not be able to do so.

DNR (Do Not Resuscitate) – Tells medical staff in a hospital or nursing facility that you do not want them to try to return your heart to a normal rhythm if it stops or is beating unevenly. [Take this to the hospital and be sure your doctor has a copy of this document.]

DNI (Do Not Intubate) – Will alert emergency medical staff in a hospital or nursing facility that you do not want to be put on a breathing machine. [Take this to the hospital and be sure your doctor as a copy of this document.]

Organ and Tissue Donation – Allows organs or body parts from a generally healthy person who has died to be transplanted into people who need them. ³

HIPPA (Health Insurance Portability and Accountability Act) – MedicineNet.com defines HIPPA as “a U.S. law designed to provide privacy standards to protect patients’ medical records and other health information provided to health plans, doctors, hospitals and other health care providers.”

To have access to your loved one’s medical records, written permission must be given. Doctors, hospitals, other providers of healthcare have HIPPA release forms for their patients to sign. These release forms authorize all or some medical information to be disclosed to other individuals or organizations. Checking to be sure you have access to your loved one’s medical records is important.

Financial Terms

The time may come when the elderly parent is not able to handle their own finances. This could be due to mental or physical impairment, visual difficulties, falling prey to scams, or the death of a spouse who handled the finances. Don’t be afraid to step in to be sure financial losses do not occur. With the advent of the computers, the elderly may easily transfer money, buy or sell stocks, or give money away without a family member even knowing. You may need to assess the situation and find out what tools will help prevent unfortunate situations from occurring.

Joint Accounts – The elder can add you or another relative to a checking account as a joint account holder. This makes you a joint owner of the funds — both you and your loved one can withdraw and deposit money and write checks. It allows the elder to maintain some independence and control and allows you to keep an eye on things, pay bills, and handle some (but not all) financial affairs.

Single-Owner Accounts with an Authorized Signer – Your older relative can add you as an authorized signer on a checking or savings account, without making you a joint owner. This means you can write checks and withdraw and deposit funds. However, because you are not an owner of the account, all transactions must be made on behalf of the elder.

Automatic Payments – You can ease the bill paying burden by helping your older relative set up electronic automatic payments or withdrawals for monthly bills.

Representative Payee for Social Security Benefits – The elder can designate you as their representative payee for Social Security benefits. A representative payee receives the Social Security benefit checks and is responsible for using the funds on behalf of the elder.

Financial Power of Attorney – With a financial power of attorney, the elder gives another person legal authority to act on their behalf. ⁴

In addition, if your loved one has an Individual Retirement Account (IRA), stocks, mutual funds, or other accounts with financial institutions, a call to those businesses might be in order. They will be able to direct you as to handling the daunting situation you may be facing with your parent’s financial matters.

Just Do It

Let’s face it: you may not feel equipped to initiate a conversation about the legal, medical, and financial decisions that you may encounter. But, when we approach our elders with kindness, listen to their opinions, and let them know that we are on their side to help them to make these decisions, we can proceed with confidence that we are carrying out their desires.

And by doing so, we are honoring our parents. The apostle Paul summed it up accurately when he writes, “Honor your father and mother. This is the first of God’s Ten Commandments that ends with a promise. And this is the promise: that if you honor your father and mother, yours will be a long life, full of blessing.” (Ephesians 6:23 LB.)

Bible Verses:

The King will answer and say to them, ‘Truly I say to you, to the extent that you did it to one of these brothers of Mine, even the least of them, you did it to Me.” (Matthew 25:40)

The Lord’s bond-servant must not be quarrelsome, but be kind to all, able to teach, patient when wronged. (2 Timothy 2:24)

Bear one another’s burdens, and thereby fulfill the law of Christ. (Galatians 6:2)

Prayer:

Lord, thank You for the many resources where I can find information to help me with my parent’s legal, medical, and financial needs. Make me aware of information that is pertinent to the care of my parents. I truly want to be the best caregiver I can be. I need Your guidance and help. Let me love like You loved. Let me serve like You served. In Jesus’ Name. Amen.

God Bless,

Member Inspirational Writers Alive; Bible Gateway Blogger Grid Member

Coming Soon: Caregiving Part 3: Being Your Parents’ Advocate

Edited by E. Johnson; Bible verses are taken from the NASB if not noted otherwise.

Works Cited/Bibliography

¹ Siegel Bernard, Tara. The Talk You Didn’t Have with Your Parents Could Cost. New York Times, 24 May. www.nytimes.com. Accessed 22 April 2017.

² Caring for Your Parents: Legal Issues, PBS, pbs.org. Accessed 22 April 2017.

³ Advance CARE Planning: Tips from the National Institute on Aging. U.S. Department of Health and Human Services. WEB. Accessed 22 April 2017.

⁴ Michon, Kathleen. First Steps to Managing an Elder’s Finances. nolo.com/legal-encyclopedia/helping-seniors-manage-money-finances-32268-2.html. Accessed 22 April 2017.


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Books by Patti Greene

Answer Me: Developing a Heart for Prayer (A Devotional Prayer Journal) by Patti Greene, click here

Awaken Me: Growing Deeper in Bible Study and Prayer (A Devotional Prayer Journal) by Patti Greene, click here

Anchor Me: Laying a Foundation in Bible Study and Prayer (A Devotional Prayer Journal) by Patti Greene, click here

About the author

Patti Greene

Patti Greene is the author of two outstanding devotional prayer journals: Awaken Me and Anchor Me. Her 43-years of personal prayer journaling experience inspire others to incorporate Bible study and prayer in their daily walk with the Lord. Greene’s graduate studies include religious education and library science. When not writing books or blogs, Patti spends her time reading, researching, traveling, and going out to lunch with friends and family. Patti and her husband, John, have three adult children and five grandchildren. They make their home in Houston, Texas. You can visit her at www.PattiGreene.com.

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